I wonder sometimes if because we care about our cars more than the avg. person, do we actually end up sustaining damage as a result? What I mean is so someone swerves without looking. If it were sports, we'd stand our ground, so why not do it with a car? Why should the BMW lose control and hit anything, when in reality, it has superior reflexes? Drive defensively and allow the person who is not looking to sustain equal or greater damage, instead of driving off unscathed. my .02